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Joe Diamond, CPA, CFP®, EA, MST


Diamond Financial Corporation

4256 North Arlington Heights Road, Suite 204

Arlington Heights, IL 60004


Phone: 847-884-8500 




July/August 2020

Overcoming Financial Obstacles

Millennials face challenging financial obstacles, including high student loan debt and difficult entry into an expensive real estate market. But they have one advantage that older generations never have: Time is on their side. If you’re a Millennial consider how, even with other financial obligations, you can find the money needed for long-term financial goals.

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Real Estate Investment Trusts

Real estate has always been a way for investors to grab a personal piece of the American Dream — their own homes — but it may also prove to be a smart addition to your investing strategy while potentially providing a steady stream of income. A publicly traded Real Estate Investment Trust (REIT)* offers one way to invest in this asset class, which includes varied commercial and personal real estate.

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Benefits for a Younger Workforce

Planning for open enrollment is becoming a more important exercise for business owners as Baby Boomers give way to Millennials and Gen X, Y and Z staff who have different ideas about what they want in benefits. Here’s a look at what benefits younger employees may value:

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What's an Annuity Exchange?

When you surrender an annuity* or cash value life insurance policy, you may face taxes and penalties unless you exchange it in a tax-approved way. That way is a 1035 Exchange, named after a section of the Internal Revenue Code. If you are considering such an exchange, understand the consequences first before making any decision.

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Business Travel with Family

If you run your own company and travel for business, you may want to combine work with pleasure. That’s okay, as long as you don’t trip up on tax rules.

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Back to School Spending Stats

Parents of students know summer ends with the added expense of back-to-school shopping. Here’s how to survive this unavoidable annual ritual while keeping your expenses down.

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Back-to-School Shopping Tips

School supplies comprise a healthy portion of back-to-school spending. In 2019, a survey by the National Retail Federation and Prosper Insights & Analytics found that families expected to spend an average $696.70 on school supplies for each elementary through high school student. Expect that number to top $700 this year.

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Tax-Saving College Funding Options

If you meet income and other requirements, a variety of grants and tax breaks can help you reduce higher education costs. Examples include:

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Tools to Help You Build Your Retirement Accounts

Company-sponsored 401(k) plans may feature matching contributions from your employer, and automatic enrollment, rebalancing and contribution escalators, to name a few. Even if you don’t have these options, you can still model your retirement investing behavior after some of these plan features.

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Advisory Services offered through Diamond Financial Corporation, Registered Investment Advisor. Custodial Services provided by TD Ameritrade. Member FINRA/SIPC/MSRB.
Tax Preparation provided by Diamond Financial Corporation.
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